The operation steps of commercial loans to housing provident fund loans;

1. Individuals eligible for housing provident fund loans have three options:

2. The customer can first settle the original bank loan through self-raised funds and cancel the mortgage of the original property. After re-mortgage, the provident fund center will lend the money to the customer's deposit account.

3. The customer paid a down payment and used another house of himself or his spouse or immediate family as collateral. Provident fund center can lend money to customers, and customers will refund the deposit after paying off the original loan.

4. The customer can find a guarantee company. The guarantee company pays off the original loan of the customer in advance, the customer pays the advance fee and deposit, and the guarantor provides the phased guarantee. After the mortgage is implemented, the provident fund center will lend money and refund the customer's deposit.

Provident fund loan conditions

1, first, the unit where you work gives you the provident fund, and then you have a provident fund account;

2. The provident fund must be deposited for more than 12 months, and the time and deposit amount must be more than 12 months.

3. There are no outstanding provident fund loans.

4. It is not the relevant procedure for minors to borrow money. You only need to prepare: 1, your provident fund account; 2, the unit's provident fund account number; 3. Monthly deposit; 4. deposit ratio; 5. Deposit place of the provident fund.

Matters needing attention

The new loan term applied by the property buyers must be within the time limit stipulated by the provident fund loan, and the longest loan term shall not exceed the remaining loan term of the original "commercial loan". If it is a partial loan, the remaining commercial loan term is the same as the provident fund loan term. In addition, if the deposit place of the provident fund and the location of the loan house are not in the same county, city or district administrative area, the applicant shall apply to the management center where the loan house is located to convert the commercial loan in different places into a provident fund loan.